Silverado, CA
How exposed is Silverado to wildfire?
Silverado sits at the 100th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 421 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Silverado at the 100th percentile, close to its 100th-percentile risk score.
Where Silverado's buildings actually sit
Direct exposure dominates in Silverado: 86.9% of its 421 buildings, versus 13.1% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Silverado ranks
There's little gap between Silverado's 100th national percentile and its 99th percentile inside California, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Silverado ranks 36 for wildfire risk (1 is highest) and 18,796 by building count (1 is largest). Within California alone, it ranks 25 of 1,570 places by risk. See the full county-by-county picture for California on its state page.
What this risk score means for insurance
Because Silverado is in California, a wildfire-hazard disclosure is legally required before a sale closes here — unusual nationally, since only these two states mandate it. The state's FAIR Plan alone carried 668,609 policies by the end of 2025. Full detail in the disclosure-law guide.
Lowering exposure, not just insuring around it
Silverado's 86.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Silverado's 100th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Silverado, see the exposure-zones guide.